Many people treat January as the official starting point for financial decisions. They postpone planning, reviewing income, or restructuring commitments with the belief that clarity belongs to the new year.…

By December, many people are already tired. Bills have accumulated, plans were postponed, and conversations about “next year” feel more hopeful than concrete. There is movement, but no certainty. Decisions…

Most financial mistakes are not dramatic. They do not involve reckless spending or obvious irresponsibility. Instead, they are quiet decisions made in the weeks before a new year begins, decisions…